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Policies that protect more than your car

Your car isn't just a machine. It's how you get to where you're going. That's why PEMCO safeguards responsible drivers and their vehicles with customized policies, competitive costs and award-winning customer service to help you worry less.

 
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What's covered with my car insurance?

With PEMCO, your car can be covered from damage by other drivers, medical costs for passengers and liability for accidents.

Car driving on highway on foggy day with roof cargo.

Coverage from bumper to beyond

With PEMCO, we can protect your entire car whether it's sitting in the driveway or the top of a mountain. Where you go, your coverage goes.

Collision Coverage

Regardless of who's at fault, collision coverage pays for damage to your car from a crash (minus your deductible). If you have a car loan, your bank may require this coverage.

Comprehensive Coverage

Covers damage to your car that's not included in collision for things like theft, fire, vandalism and glass (minus your deductible). If you have a car loan, your bank will require comprehensive coverage, too.

Underinsured/Uninsured Motorist Coverage

Covers your car if it's damaged in an accident caused by someone without insurance — or with too little insurance.

Towing and Labor Coverage

Helps if your car breaks down and needs work right on the spot or must be towed to a shop.

Rental Reimbursement Coverage

Reimburses you for the cost of a rental car while your car is being repaired after an accident. Can be bundled with comprehensive and collision coverage.

Auto Loan Coverage

Pays off your car loan if the car is totaled. The amount left on your loan must be more than what the car is worth.

Replacing or Recoding Key Coverage

Pays up to $500 for replacing or recoding undamaged electronic lock and key components. Available for Washington residents only.

Camper, Canopy and Tonneau Cover Coverage

Pays up to $500 for this equipment, with the option to buy more coverage. Available for Washington residents only.

Custom Parts and Equipment Coverage

Pays up to $500 for customization, with the option to buy more coverage. Available for Washington residents only.

Girl sleeping in car seat.

Coverage for you, your family and your pets

Whether you go in your car alone, with your people or with your furry friends, PEMCO is here to help.

Personal Injury Protection (PIP) Coverage

This pays medical expenses, income loss and more for you, your family and others in your car who are hurt in an accident. This additional protection is required in Oregon and recommended in Washington.

Underinsured/Uninsured Motorist, Bodily Injury Coverage

Pays medical costs and other related damages if a covered person is hurt in an accident caused by someone without insurance — or with too little insurance. This coverage is required in Oregon and optional in Washington.

Accidental Death Coverage

If any covered person is killed in a car accident, a benefit of $10,000 goes to his or her spouse or estate.

Pet Coverage

Pays up to $1,000 if your dog or cat is injured or killed in a covered collision loss.

Car driving through the woods in the fog.

Shielding you from liability

If you're found legally liable for a crash, our car insurance coverage can protect you and help make things right.

Liability Property Damage Coverage

This pays for the other person's car and/or belongings damaged in an accident if a covered person is legally liable for the accident. It takes care of defense costs if you must go to court, and it's required by state law.

Liability Bodily Injury Coverage

If you have this coverage and are held legally liable for bodily injury during a covered loss, bodily injury coverage takes care of the cost. This also covers court defense costs.

Person using mobile phone next to car.

Rideshare and Rental Coverage

Get help protecting your rental car on vacation or when you're driving your vehicle for a rideshare company.

Rideshare Coverage

This extends your current PEMCO coverage when you drive your car for a rideshare company like Uber or Lyft.

Rental Car Coverage

Pays for damages and expenses if your rented vehicle is involved in a covered collision or comprehensive loss. Available for Washington residents only.

FAQ

Tips & Resources

 
 

Check out our advice to help you save time, money and stress, so you can worry less and live more.

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